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Coverage for Boats, Jet Skis, and Life on the Water

Watercraft & Boat Insurance

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Coverage for Every Adventure on the Water

Watercraft insurance helps protect your equipment, passengers, and liability when you’re out on the waves.
Whether you own a boat, jet ski, or yacht, coastal living means hitting the water. Watercraft insurance is designed to protect your investment from theft, damage, and accidents. From liability coverage if an accident occurs to protection for your gear and equipment, we ensure your focus stays on enjoying the journey.

States We Deliver Insurance Excellence To:

North Carolina South Carolina Virginia Tennessee
Boat on Boat Ramp

What Can Watercraft Insurance Help Cover?

  • Hull and equipment coverage for your boat or jet ski
  • Liability coverage for bodily injury or property damage
  • Medical payments for passengers
  • Protection against uninsured boaters
  • Coverage for accessories and specialized gear
  • Fuel spill cleanup and wreck removal
  • Emergency assistance and towing coverage

How It Works

We make it easy to shop, compare, and secure watercraft insurance so you can enjoy every adventure on the water with confidence.

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Tell us about your watercraft, including type, size, and where you primarily use it.

Customize Your Coverage

Select the level of protection that ensures your boat, liability, and passengers are safe.

Get Protected

Head out on the water knowing you’re covered.

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Boating for fun Cavik Cares

Why Work With Cavik?

We compare watercraft coverage options to ensure your boat is protected by an agency that understands the coastal lifestyle.

As an independent agency, we do the heavy lifting of shopping for coverage across multiple carriers. We help clarify complex marine insurance terms and find plans that account for how you use your watercraft, giving you clearer, more tailored protection.

Meet Our Team

Compare Watercraft Insurance Quotes Today

Get a quote or talk with the Cavik Crew to compare coverage for your boat or watercraft.

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Frequently Asked Questions

Generally, it provides very limited coverage. A dedicated watercraft policy provides the specialized protection your boat and liability needs.

It is a type of coverage that pays the amount you and your insurer agreed upon if the boat is a total loss, regardless of depreciation.

Many policies offer an endorsement for emergency towing and roadside assistance if your boat breaks down.

Coverage needs depend on the value and your liability concerns. We can advise if a separate policy is needed or if your homeowners policy suffices.

It depends on the policy terms. We can help you understand "permissive use" clauses.

Yes, most watercraft policies include coverage for permanent and portable equipment.

It covers the costs associated with cleanup and removal if your boat accidentally spills fuel into the water, which can be legally required.

Provide us with the make, model, age, and storage location of your boat, and we will shop the best options for you.